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APIs · head to head

Increase vs Tyk

Increase logo

Increase

APIs

Direct banking API for ACH, wires, real-time payments, accounts and cards

From
On request
Rated
-
Full reviewWebsite
Tyk logo

Tyk

APIs

Open-source API gateway and API management platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Tyk has a free tier, so it costs nothing to try first.
  • Each has a real cost: Increase the published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.; Tyk professional and Enterprise plan pricing not published; contact required
  • They diverge on capability: Increase covers ACH origination and receipt, Tyk covers API Gateway.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Increase and Tyk actually diverge.

Attributes where Increase and Tyk differ
AttributeIncreaseTyk
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsAPI, WebLinux, Docker, Kubernetes, Cloud
FoundedUnknown2013

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Increase

  • ACH origination and receipt
  • Domestic wires
  • Real-time payments
  • Bank accounts
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

Only in Tyk

  • API Gateway
  • Rate Limiting
  • Authentication
  • Kubernetes
  • Docker
  • AWS
  • Azure
  • Linux support

What people use each for

The jobs each tool is most often brought in to do.

Increase

  • A payroll or treasury product that needs to originate same-day ACH and wires under its own control rather than through a payment processornot Tyk
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Tyk
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Tyk
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Tyk

Tyk

  • API gateway and API management platformsnot Increase
  • Microservices architecture orchestrationnot Increase
  • High-growth teams standardizing on API platformsnot Increase
  • Enterprises requiring advanced security and governancenot Increase

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Increase

  • The published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • Free allowances are deliberately small at ten account numbers and five physical cards, so any programme issuing accounts or cards at volume moves to quoted pricing almost immediately.
  • Banking is provided through partner banks, so programme approval, compliance obligations and the ability to launch at all depend on a bank relationship you do not control, and post-Synapse bank risk appetite has tightened considerably.
  • The API deliberately exposes payment rail mechanics rather than smoothing them, which is correct engineering but means a team without payments expertise will build reconciliation and return handling wrongly and only discover it when funds go astray.
  • Coverage is United States only, so a company with international payout needs runs a second provider and reconciles two ledgers, and the single API argument disappears at the first cross border customer.

Tyk

  • Professional and Enterprise plan pricing not published; contact required
  • Core plan uses consumption-based model with variable costs
  • No upfront pricing transparency for production deployments

Pricing, plan by plan

Increase

On request
  • Increase Platform$undefined/month
    • Monthly fee quoted by use case and not published
    • Next-day ACH origination listed at 0.50 US dollars per transaction
    • Same-day ACH origination listed at 2.00 per transaction

Tyk

Free
  • Free TrialFree
    • Fully featured 48-hour trial
    • No credit card required
    • Tyk Cloud access
  • Core Plan$null/month
    • Usage-based flexible pricing
    • Cloud, Hybrid, or Self-managed deployment
    • Unlimited API gateways
  • Professional Plan$null/month
    • One fixed price with unlimited access
    • All deployment options
    • Unlimited APIs and requests
  • Enterprise Plan$null/month
    • Custom pricing required
    • Advanced governance and security
    • Premium support with custom SLAs

Which should you pick?

Choose Increase if

  • You need ach origination and receipt.
  • You work on API, Web.
  • You also want domestic wires.
Increase review

Choose Tyk if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes, Cloud.
  • You also want rate limiting.
Tyk review

Questions people ask

Is Increase or Tyk better?
Neither clearly leads. Increase starts at On request and Tyk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Tyk?
Tyk has a free tier; the other does not. Paid plans start at On request for Increase and Free for Tyk.
Does Increase or Tyk run on more platforms?
Increase runs on API, Web. Tyk runs on Linux, Docker, Kubernetes, Cloud.
Can I use Tyk for free?
Yes. Tyk has a free tier, so you can try it without paying. Increase starts at On request.
What is Increase best used for?
Increase is most often used for a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor, a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers, a fintech that wants fednow and rtp payouts so recipients are paid outside banking hours, an engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logic. Of those, a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor and a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers are not what Tyk is typically brought in for.
What can Increase do that Tyk cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Tyk covers API Gateway, Rate Limiting, Authentication, Kubernetes.

Answered from the vendors’ own pages

Increase: Does Increase publish its pricing?

Partly. Per transaction fees for ACH, wires, RTP, FedNow and cards are listed publicly. The monthly platform fee is not, and it is described only as varying by use case.

Tyk: How much does Tyk cost?

Tyk offers a free 48-hour trial with no credit card required. The Core plan uses usage-based pricing on a flexible model. Professional plan offers unlimited access at a fixed price (amount not published). Enterprise plans require custom pricing.

Source
Increase: Who holds the deposits?

Partner banks, not Increase itself. That relationship determines your programme approval, your compliance obligations and your risk if the bank changes appetite.

Tyk: Is there a free trial of Tyk?

Yes, Tyk provides a fully featured 48-hour free trial of Tyk Cloud that requires no credit card to start.

Source
Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

Tyk: What deployment options are included in Tyk pricing?

All Tyk plans support Cloud, Hybrid, or Self-managed deployment options without feature restrictions, allowing flexible infrastructure choices across pricing tiers.

Source
Increase: How is it different from a middleware BaaS platform?

It exposes the rails rather than abstracting them, showing real return codes and settlement timing. That suits teams who understand payments and punishes teams who do not.

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